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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $17,664 | $65,246-72.9% | $98,716-82.1% | $67,986-74.0% |
| Participation rate | 22.1% | 51.4%-29.3pp | 69.3%-47.2pp | 57.2%-35.1pp |
| Annual return | 18.20% | 20.58%-2.4pp | 31.81%-13.6pp | 31.67%-13.5pp |
| Employer contribution / active EE | $0 | $1,042-100.0% | $2,279-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $1,261 | $2,594-51.4% | $4,048-68.8% | $3,358-62.5% |
| Admin fee / account holder | $1,082 | $4,561-76.3% | $8,703-87.6% | $3,203-66.2% |